Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$282,762Cash toward the purchase price.
Closing costs + prepaids$17,513Not just lender fees.
Before credits & paid funds$300,275The complete starting cash picture.
Estimated remaining funds due at closing
$300,275No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$282,761.82
Your down payment$282,761.82
Closing costs + prepaids$17,512.94
Total buyer cash needed$300,274.76
Remaining funds due$300,274.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,199.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,185.69
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$939.25
Initial HOA (3 months)$84.99
Prepaid interest, first (27 days)$886.01
Fees + prepaids$17,512.94
Your down payment is the seller’s equity. You take over the $437,138 balance, so the rest of the $719,900 price is paid at closing. A second mortgage can cover part of it. $300,274.76 is due at closing. Uses and sources reconcile at $737,412.94 each. Not a Closing Disclosure.